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  1. #1
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    Default Credit or Cash At The Pump?

    When it comes to filling up your ride with fuel do you go with cash or credit? I believe most stations charge about 10 cents extra if you go the credit route. It almost makes using our cash back cards at the pump useless. What are your thoughts on this?
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  2. #2
    Centurion Member Moneytalks's Avatar
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    This is probably the one time I pay cash haha
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  3. #3
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    Credit always. Diesel is the same price cash or credit so it doesn't matter for me.

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    All New England states, and upstate NY, are same price cash or credit, so I typically use credit. Some places will offer a discount for cash or debit, so I use my debit then.

    I had to learn to carry cash in NJ. Even though debit should get you the cash price, you aren't suppose to get out of the car, so you can't put your pin in. The first time my friend and I were in NJ we got out of the car to pump and the guy thought we were robbing him.
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  5. #5
    Centurion Member DavidNY's Avatar
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    I usually use my Sallie Mae card for 5% off gas unless the cash price would be more than the discount offered by the credit card.

    In the case of using a 5% cash back card for $4.00/gal gas, the cash discount would need to be over 20 cents, in which case I'd pay cash, but usually the cash discount is about a dime. Many NY and NJ gas stations are moving to the two-price system.

    It's perfectly legal to get out of the car at the pump in NJ, the only restriction is actually pumping the gas (a law which I've seen ignored many times by impatient drivers in NJ).
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  6. #6
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    10 cents off $4 gas is 2.5% savings. PenFed card is 5% cash back. So i go with credit every time.
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  7. #7
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    Credit always. Even if I don't have a card that's giving me 5% back at the moment (like right now :'-( ) I pay credit, because to not have to remember to carry cash and replenish my cash stash, and to not have to wait in line to pay the cashier and then go back in and wait in line again to get my change is more valuable to me than the $1.40 I'd save filling up my 14 gallon tank.
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  8. Gold Member waffled's Avatar
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    Credit. Here the price difference is 5cents so its just not enough to make up for the 3 or 5% cashback.
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  9. #9
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    Credit all day every day. I'm in southern Jersey and Super Wawas always charge same price for cash or credit, so I use my PenFed card.
    Now she's eyeless.
    The snakes she held once
    Eat up her hands.
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  10. #10
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    Credit. I never have cash on me and when I do, it's usually like 5 bucks or so. While most gas stations offer a 10 cent discount for cash/debit, I tend to go to the ones where there is no price distinction.
    AMEX BCE ($7600), Citi Forward ($3300), Discover IT ($2250), BoA Travel Rewards ($1800)
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